Introduction
Visa's (V) bullish case maintains great return potential, but it recently cracked in a way we can't ignore. In an article titled "European payments: The European Commission welcomes the initiative by a group of 16 banks to launch a European payments initiative ((EPI))", the European Commission describes an initiative that poses a vital threat to Visa and Mastercard (MA) in the European market. The recent trends in the payments industry surely call for exposure to digital payments players. However, I would choose PayPal (PYPL) over Visa due to lower regulatory risks and bigger